Somerset County and Bernards Township property record for 54 Spencer Rd, Basking Ridge, NJ 07920
| Property Type | Single Family Home |
|---|---|
| Details | 1,257 sqft · built 1950 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $725,000 (Aug 2023) |
| Tax Bill | $12,184 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-01806-0000-00014 |
| Primary APN | 02-01806-0000-00014 |
|---|---|
| Alternative APN |
|
| Total Rooms | 6 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 1,257 sqft Living Area |
| 1st Floor Area | 1,257 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Lot Area | 24,829 sqft (0.57 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 0200098000000014 |
|---|---|
| Street Address | 54 SPENCER RD |
| City | BASKING RIDGE |
| State | NJ |
| Zip | 07920-1820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 |
| Legal Description | ADDITIONAL LOTS: 115 14 |
| Legal Subdivision | BASKING RDG |
| Legal Block | 1806 |
| Legal Lot Number | 14 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | BERNARDS |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 52400 |
Source: Somerset County and Bernards Township records, as of July 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 54 SPENCER RD, BASKING RIDGE, NJ 07920-1820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2023 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MLD MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2023 · Amount on Record |
| Deed Sale | Aug 11, 2023 · Amount on Record |
| Prior Sale | Nov 16, 2010 · Amount on Record |
| Deed Document Number | 202320764 |
| Deed Book / Page | 7519 / 964 |
| Prior Transfer Date | Nov 29, 2006 |
| Prior Transfer Doc | 0000054440 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Aug 11, 2023 |
| Property Address | 54 SPENCER RD, BASKING RIDGE, NJ 07920-1820 |
| Document Number | 0000020764 |
| Book / Page | 7519 / 964 |
| Instrument Date | Jul 26, 2023 |
| Instrument | 2023020764 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2023 |
| Title Company | FOUNDATION TITLE, FOUNDATION TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,510.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 90 KEATS RD, BASKING RIDGE, NJ 07920-2616 |
| Name | Verified Name |
|---|---|
| Address | 54 SPENCER RD, BASKING RIDGE, NJ 07920-1820 |
| Document Number | 0000020765 |
|---|---|
| Date | Aug 11, 2023 |
| Instrument | 2023020765 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 54 SPENCER RD, BASKING RIDGE, NJ 07920-1820 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000031305 |
|---|---|
| Date | Aug 23, 2019 |
| Book Page | 7144/1958 |
| Instrument | 2019031305 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTER, NJ 07930 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 54 SPENCER RD, BASKING RIDGE, NJ 07920-1820 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000045635 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 7253/2359 |
| Instrument | 2020045635 |
| Name | MLD MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FLORHAM PARK, NJ 07932 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: Somerset County and Bernards Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| County Subdivision | Bernards Township |
| Unified School District | Bernards Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $749,600 (+3.85%) Land $390,800 Building $358,800 | $749,600 (+3.85%) Land $390,800 Building $358,800 | |
| 2025 | $12,184.00 (+2.84%) | $721,800 (+26.06%) Land $381,300 Building $340,500 | $721,800 (+26.06%) Land $381,300 Building $340,500 |
| 2024 | $11,848.00 (+6.45%) | ||
| 2023 | $572,600 (+3.45%) Land $343,300 Building $229,300 | $572,600 (+3.45%) Land $343,300 Building $229,300 | |
| 2022 | $11,130.00 | $553,500 Land $329,100 Building $224,400 | $553,500 Land $329,100 Building $224,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 3, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 3 (1999–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Aug 2024 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NJ AMERICAN WATER - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2022 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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